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Artwork for The Pay Off

The Pay Off with Sylvia Jeffreys

9Podcasts
Entrepreneurship
Australia
Housing Market
Gender Pay Gap
Social Media
SUPERANNUATION
Investment Strategies
Financial Literacy
Mental Health
Personal Finance
Financial Independence
Exchange-Traded Funds
Motherhood
Housing Affordability
Money Mindset
Home Ownership
Sydney
Inflation
Negotiation Skills
Workplace Equality

Money is a constant contradiction. You’ve got to spend money to enjoy life but save every cent for the future.

It’s why Australians are caught between impossible expectations and an economic system that feels stacked against them. So, how do you keep up the juggling act when the stakes just keep getting higher?

In The Pay Off Sylvia Jeffreys sits down with leading experts and entrepreneurs to u... more

PublishesTwice weeklyEpisodes84Foundeda year ago
Number of ListenersCategory
Business

Listen to this Podcast

Artwork for The Pay Off

Latest Episodes

It came in a midnight email, despite having just kicked some huge goals for her company, and just six weeks after returning from parental leave. Redundancy. Something that's being faced by people in their thousands right now.

In this episode, Sylvi... more

Your days of wondering where all your money went are over. In this empowering episode, full-time nurse turned anti-influencer Breana Davison (@breeonabudget) reveals how she broke free from a debilitating mountain of debt to buy her first home, a sec... more

There's plenty of advice out there about fostering a social media, building a multi-million dollar business, or creating an utterly devoted community.

Steph Claire Smith, founder of KIC, one of Australia's biggest wellness brands, has done all of t... more

If you thought an EOFY sale was the biggest threat to your savings right now, this episode will make you think again. Ben Young, Head of Fraud and Scams Prevention at Westpac, pulls back the curtain on the scams he encounters - and fights - every day... more

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Recent Guests

Bre Davison
Nurse, personal finance educator known as Bree on a Budget
Bree on a Budget
Episode: The Anti-Influencer Guide to Nailing Your Budget and Spending with Intention, with Breana Davison (Bree on a Budget)
Steph Claire Smith
Co-founder of Keep It Cleaner (KIC)
KIC
Episode: How Authenticity Still Drives Everything for Steph Claire Smith (KIC)
Ben Young
Head of fraud and scam prevention at Westpac
Westpac Banking Corporation
Episode: The Scams Out to Get You Right Now - and How to Stop Them, with Ben Young (Westpac Head of Scam and Fraud Prevention)
Mary Coustas
Comedian and author of All I Know; creator of Effie
-performer-
Episode: Why Menopause is Corporate Australia’s Hidden Problem, with Mary Coustas
Talitha Cummins
Ex-news presenter and founder/design director of The Cut, an Australian fine jewelry house
The Cut
Episode: How Ex-Journo Talitha Cummins Honestly Disrupted the Diamond Industry
Anthony Miller
CEO of Westpac
Westpac Banking Corporation
Episode: Navigating a "Swirling Economy": Westpac CEO Anthony Miller’s Honest Verdict on the Budget, Housing Supply and More
Skye Predavec
Researcher at the Australia Institute
Australia Institute
Episode: Is Private Education Worth It? with Skye Predavec
Sarah Megginson
Personal finance expert and author of How to Raise Rich Kids
Author, How to Raise Rich Kids
Episode: The Tips and Techniques to Make Your Kids Rich, with Sarah Megginson
Scott Phillips
Lead investing expert, Motley Fool co-founder
The Motley Fool
Episode: Why Scott Phillips is Optimistic About Your Financial Future

Host

Sylvia Jeffreys
Host of The Pay Off

Reviews

4.6 out of 5 stars from 87 ratings
  • Private education episode very poor journalism

    If you are going to have this debate - please make it balanced. Do not solely rely on the biased opinions and selective fact picking of the leftist looney The Australian Institute

    Apple Podcasts
    1
    catherinemitch
    Australiaa month ago
  • Loving it Sylvia!

    Your work is so easy to listen to Sylvia. Love the real talk, heart and the learning. Need you to release more please and thanks!! Slay!

    Apple Podcasts
    5
    Elibanator Sparkes
    Australiaa year ago
  • Have a listen!

    Loving this podcast. Maybe it’s the years of Today viewing but Sylvia’s voice is so soothing and easy to listen to. The topics feel incredibly relevant and timely and all questions are asked in a way that’s direct yet respectful which brings out such thoughtful insights from the guests. I genuinely look forward to each new episode.

    Apple Podcasts
    5
    MayRayNay
    Australiaa year ago
  • Finally!!

    As a 25-year old who’s terrible with money and hasn’t got the first clue on investing, budgeting etc.. this is exactly what I need. Thank you 🙌🏼🙌🏼

    Apple Podcasts
    5
    hannahjane777
    Australiaa year ago
  • Amazing

    WOW - EARS HUMMING WITH JOY. Yes yes yes

    Apple Podcasts
    5
    ppppppphhhhhhhough
    Australiaa year ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Episodes successfully blend personal stories with data-driven analysis.
The host asks direct questions with respect, enabling thoughtful, actionable takeaways.
Listeners appreciate the clear explanations of complex budget and policy topics.
Guests are often high-caliber, offering practical insights and credible expertise.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#52
Australia/Business
Apple Podcasts
#132
New Zealand/Business
Apple Podcasts
#247
Ireland/Business

Talking Points

Recent interactions between the hosts and their guests.

The Anti-Influencer Guide to Nailing Your Budget and Spending with Intention, with Breana Davison (Bree on a Budget)
Q: How do you handle social media influence and avoid impulse buys?
I unfollow accounts that push unnecessary purchases, pause before buying, and limit 'shopping' triggers, using tools like wishlists and explicit time delays to reduce dopamine-driven spending.
The Anti-Influencer Guide to Nailing Your Budget and Spending with Intention, with Breana Davison (Bree on a Budget)
Q: What does a typical budgeting routine look like for you now?
I use a monthly spreadsheet to bucket spending, review weekly, and ensure everything aligns with my values and long-term goals, including an emergency fund and investments.
Navigating a "Swirling Economy": Westpac CEO Anthony Miller’s Honest Verdict on the Budget, Housing Supply and More
Q: How do you view the impact of AI on jobs and productivity, and what will you do to prepare your workforce?
He acknowledges that some roles will change or disappear, but emphasizes that AI will also create new opportunities, and stresses the need to invest in people, skills, and responsible AI adoption to boost productivity while protecting workers.
Why Scott Phillips is Optimistic About Your Financial Future
Q: If we can say that getting ahead financially is harder for millennials and Gen Zers than it was for older generations, what advice would you give to parents for how best to help their kids?
Start by asking your kids what they're going through financially, give when it can have the most impact (not just at death), and focus on enabling them to reach key life milestones such as home ownership. The goal is to provide durable support that accelerates opportunity without creating dependency, while balancing the parent's own financial safety.
Is Private Education Worth It? with Skye Predavec
Q: How does government funding affect school choices and equity in Australia?
Systemic underfunding of public schools relative to private schools, combined with minimal regulation on private school fees, contributes to inequity and makes access to high-cost private schooling dependent on wealth rather than need.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
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Frequently Asked Questions About The Pay Off

What is The Pay Off about and what kind of topics does it cover?

The show centers on practical money management, policy implications, and growth-driven entrepreneurship. Across episodes, it covers how federal and state budgets affect households, investors, and first-time buyers; deep-dives into housing affordability, taxation design, and energy costs; and interviews with leaders and founders who share leadership lessons, crisis management, and scale strategies. A standout trait is the mix of policy expertise, market analysis, and founder-centric storytelling, offering listeners actionable insights for personal finance, business decisions, and public policy discussions. The format often blends clear explanations of complex topics with personal journeys from high-profile guests, making it useful for both l... more

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Which podcasts are similar to The Pay Off?

These podcasts share a similar audience with The Pay Off:

1. Something To Talk About
2. The Jess Rowe Big Talk Show
3. No Filter
4. TEA WITH JULES
5. MID

How many episodes of The Pay Off are there?

The Pay Off launched a year ago and published 84 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Pay Off?

Recent guests on The Pay Off include:

1. Bre Davison
2. Steph Claire Smith
3. Ben Young
4. Mary Coustas
5. Talitha Cummins
6. Anthony Miller
7. Skye Predavec
8. Sarah Megginson

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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